The Jammu & Kashmir Bank Limited — Investor Meet, 06-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

J&K Bank has announced a board meeting to discuss the financial results for the quarter and half-year.

FY25 net profit hit a record Rs.2082 Cr, up 17.8% YoY (37% excluding one-offs), with operating profit rising 28.7% to Rs.2930 Cr. Q4 net profit increased 10% QoQ to Rs.585 Cr. Deposits and advances grew over 10%, led by corporate loans; personal finance accounts for 38% of loans, growing 10% YoY.

NIM stood at 3.92%, cost-to-income ratio improved to 57.73%, supported by 90%+ digital transactions. Asset quality stable with GNPA at 3.37%, PCR above 90%. Dividend approved at 215% for the third consecutive year.

FY26 targets include 12% credit and 10% deposit growth, CASA ratio of 48%, NIM around 3.7–3.8%, RoE 16–17%, and GNPA under 3%. Management is optimistic on sustaining growth through efficiency and digital focus.